Compare existing condition pet insurance

Getting insurance for your pet's existing medical condition can be tricky. Compare policies from these companies that offer cover for pets who are already unwell.

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  • Compare existing condition pet insurance from leading providers

Compare pet insurance for existing conditions from leading providers

Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare pet insurance for existing conditions

1

Enter your details

Have a look through our best options for existing condition pet insurance from our product table. Many insurers offer discounts for applying online, while some only ever operate digitally, so to make sure you find the most competitive pet insurance deals comparing quotes on the internet is a must.

2

Retrieve your quote

Once you've seen a provider that you're interested in enter a few details to retrieve the quote. Have a look through a few options as cost can vary significantly between providers. Shopping around will increase the chances of finding the a cheaper policy that covers your pet for their existing conditions.


3

Apply and save

The cheapest pet insurance option might catch your eye however before selecting a plan just because it's competitive ensure to check the terms to ensure you're fully protected if you need to make a claim. Once you've found the best option for covering your pet simply apply.

Pet insurance deals

7 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
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Money.co.uk Exclusive: 1 Month Free
Waggel Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 a year
Discounts
Introductory discount
Waggel Pet Insurance
1 month free for money.co.uk customers. Waggel offer a comprehensive Lifetime policy that covers reoccurring conditions and includes dental. It allows you to adjust the coverage and excess so that you can find a price to suit your budget.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Voted Pet Insurance Provider Of The Year at the 2021 Moneyfacts Consumer Awards
ManyPets Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£15,000 a year
Discounts
15% multi-pet discount
ManyPets Pet Insurance
Over 400,000 pets covered. 18,600 - 5 star reviews on Feefo. FREE unlimited video calls with a vet, 24/7 so you can get expert advice whenever you need it. Hassle-free claims - Online claims with no forms and we we’ll update you as your claim is settled.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks
Direct Line Pet Insurance
New cover starts for pets aged from
8 weeks to 10 years
Maximum vet fees
£8,000 per condition
Discounts
A multi-pet discount
Direct Line Pet Insurance
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed. Underwritten by U K Insurance Limited.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts10 years
Minimum cat age when cover starts8 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts8 weeks
Our Premier and Extra Cover is 5 Star rated by Defaqto
Tesco Bank Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 per condition
Discounts
-
Tesco Bank Pet Insurance
The Premier and Extra Cover is 5 Star rated by Defaqto.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Pet-insurance.co.uk Pet Insurance
New cover starts for pets aged from
5 weeks
Maximum vet fees
£4,000 a year
Discounts
10% multi-pet discount & 20% introductory discount
Pet-insurance.co.uk	Pet Insurance
Pet-Insurance.co.uk offer both standard and lifetime pet insurance for dogs and cats, designed to suit your individual needs. Their policies can help protect against unforeseen Vet's Fees costs, and much more.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts5 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts5 weeks
2021 Feefo Platinum Award Winner
Healthy Pets Pet Insurance
New cover starts for pets aged from
5 weeks to 12 years
Maximum vet fees
£7,500 per condition
Discounts
20% introductory discount
Healthy Pets Pet Insurance
20% online discount for new customers, and as specialists, can pay the vet direct, offer free direct debiting, have 3rd party liability for dogs as standard, offer a range of cover to suit all budgets and love pets.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts12 years
Minimum cat age when cover starts5 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts5 weeks
Free and unlimited access to online veterinary experts
Animal Friends Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£6,000 per condition a year
Discounts
-
Animal Friends Pet Insurance
Award-winning specialist pet insurance for dogs, cats & horses. UK call centre. Animal Friends donates from their profits to animal welfare charities.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks

Looking for another type of pet insurance?

Can I insure a pet with medical conditions?

Finding insurance for pets with pre-existing conditions is sometimes possible, although it may be difficult – the majority of insurers don't cover existing medical problems. 

If your pet has been unwell in the past but has been symptom- and treatment-free for a while, you may be able to find a policy that covers them for their condition. Use our comparison above to compare pet insurance.

UK providers will usually say that pre-existing conditions increase the risk of you needing to make a claim. Therefore, you can expect policies covering existing conditions to be more expensive.

Although pet insurance isn't a legal requirement, it could be very helpful financially if your pet needs veterinary treatment.

Can you get cover for your pet with existing conditions? 

What conditions can I cover with pet insurance?

A pre-existing condition can mean several different things, and every insurer will have its own definition.

For example, it could be a condition that:

  • began – or showed symptoms – before you took the policy out

  • is the result of an illness or injury your pet had prior to the policy start date

  • ends up being linked to a diagnosis your pet already had before purchasing the policy

Pre-existing conditions can fall into different categories. Some are easier to find cover for than others.

Historic conditions

Historic conditions are those that your pet has had in the past but no longer suffers from. You can find cover for historic conditions using the comparison above. Most insurers only cover historic conditions if your pet has been symptom-free and treatment-free for a set amount of time. They may need to have been free of symptoms and treatment for three months to two years, and you may only be offered a limited level of cover.

Chronic conditions

Long-term or incurable conditions that your pet will have for their whole life are deemed chronic. Common examples of chronic conditions include:

  • diabetes

  • cancer

  • obesity

  • allergies

  • asthma and urinary tract infections in cats

  • glaucoma or arthritis in dogs

There are currently no pet insurance companies that cover chronic conditions.

Hereditary and congenital conditions

Some pets can suffer fromgenetic conditions. These tend to affect pedigree/pure-bred animals and may be a result of inbreeding. Some insurance companies will cover these, but you might find there's a limit to how much you will be allowed to claim for them. It's wise to get cover before any hereditary conditions develop. Lifetime pet insurance policies may be able to offer you the best deal in this case.

Bilateral conditions

Bilateral conditions affect both sides of your pet's body. For example, this could be hip dysplasia, cataracts, luxating patellas or cruciate ligament issues. Some policies cover these, but others don't.

Unusual conditions

If your pet has a particularly unusual existing illness, you could try to find a specialised policy. Bear in mind that UK providers are likely to charge far more for specialist pet insurance than they would for standard cover. They may also prevent you from claiming for a certain period after taking it out, and they might charge a much higher excess.

You'll then have to decide which is likely to be the best option. Will specialist insurance work out more expensive over time, or would it be more expensive to pay upfront for the vet's bills for treatment?

Can I get a policy if my pet is ill?

You can still cover your pet if you opt to exclude those pre-existing conditions. You're likely to be able to get cover for them against things like:

  • vet fees for illnesses they develop during the term of your policy

  • vet fees for injuries they could have in the future

  • theft

  • loss (and advertising for lost animals)

  • death

  • legal advice

  • third-party liability

  • pet boarding fees if you can't look after them because you've fallen ill

However, it's rare to find a provider offering pet insurance that specifically covers those pre-existing conditions. For example, if your pet has a skin problem when you take out your policy, your insurer won't cover the cost of any treatment they need for it. But they'll cover them if they develop another, unrelated illness.

When you apply for pet insurance, pre-existing conditions that your pet suffers from must be declared. Any chronic conditions they have will be excluded from your policy. 

This guide outlines everything a pet insurance policy can cover.

Here is how to find the right policy for your pet

Existing condition pet insurance FAQs

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Why compare pet insurance with money.co.uk?

By comparing pet insurance, UK pet owners could save money on their policy. The best value pet insurance will offer the cover pets need at an affordable price. Choose a cover plan from the best UK pet insurance companies and see the online discounts they offer.

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Last updated: 13 April, 2022